First of all, credit card and mortgage are two different things. Mortgage is a house purchase loan that you apply to the bank with the legal property in my name as collateral, and the loan is issued to real estate developers or other sellers as the house purchase money. The mortgage debt is shared by you or you and the borrower, and the long-term equal principal and interest are repaid in installments (this is the mode of mortgage purchase, and there is also a non-mortgage mortgage mortgage for real estate mortgage).
Credit card is a credit certificate issued by the bank for you according to your own performance ability and personal credit information, also called credit card. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Mortgage and credit card can be used at the same time, there is no direct conflict. Mortgage loans issued in the form of real estate mortgage are not considered liabilities in banks. Credit cards, especially large credit cards, are strictly supervised by banks. Users who frequently withdraw cash and overdraw will generally reduce the quota, and even be banned after the deadline.
So can you use a large credit card after your problem mortgage loan? The answer is yes.
However, it is strongly recommended that you use your credit card reasonably, spend reasonably under the pressure of mortgage repayment, and avoid completing the repayment pressure for yourself.
Love your credit history and cherish your credit life ~
It should be no problem. This model has been sold and the contract has been signed. Hello, you can't return it.
Hello, I'm glad to answer this question.
I can tell you clearly that after the mortgage, you can swipe a large credit card without affecting it. But I have two suggestions for you.
First of all, mortgage is divided into mortgage loan and credit, especially credit investigation and debt. Mortgage can lend money, indicating that the loan qualification is no problem. Normal repayment can be made in the later period, and there should be no overdue or overdue.
Second, in addition, credit card quotas are generally granted by banks according to their own credit information and economic strength. When an accountant enters his own credit line, he must repay it on time, otherwise the credit line may be reduced. So be sure to use it according to the credit card regulations. It is suggested that the credit card spending should not exceed 80% of the total amount. Safe use of cards is also conducive to increasing the quota.
I hope it helps you.
After the mortgage is approved, it does not mean that it will be stable. Some banks may check their credit information twice before lending. If they find that the lender has a lot of debts, they may not approve the loan. For this reason, everyone wants to apply for online loans by credit card, or wait until the loan is released. Then, what should I do with a large credit card before the loan? Let's have a look.
1. Impact of swiping a large credit card before mortgage loan
If the bank checks the credit information twice before the loan, the purpose is to avoid the lender's large debts before the mortgage.
And if you swipe a large credit card before the loan, you may be at risk of being refused the loan. Banks will think that lenders are short of funds and have insufficient repayment ability. They are worried that they will not be able to recover the loan smoothly after lending, and they are likely to stop lending. This is equivalent to a duck flying in its mouth, and all previous efforts have been in vain.
2. What should I do with a large credit card before mortgage?
Many people may say that before the bank rechecks the credit information, it is not enough to hide the real debt by staging the large credit card consumption and allocating the overdraft amount to each month.
However, the second-generation credit report will be launched soon, and banks can see the real monthly overdraft limit of lenders' credit cards on the credit report. It is not feasible to hide real liabilities in stages. If you want the bank to lend money smoothly, it is best to pay off the overdraft immediately. If you have no money to repay, you can borrow money from friends and relatives, and then try to repay it after the mortgage is released.
In short, in order not to affect the loan after the mortgage approval, it is best not to overdraw with a credit card before the loan, so as not to be rejected by the bank because of high debt.
Mortgages are made through bank loans. In this case, you can definitely swipe your credit card!
After all, the loan is a foregone conclusion, the lender will repay the loan on time, and the bank will generally not recover the loan.
Credit cards are meant for us, not as decorations at home. As long as you swipe your card normally and don't violate the rules, feel free to use it boldly. It should be noted that after using the credit card, remember to repay on time. In order to avoid overdue, you should spend reasonably within your ability and cherish your credit history.
It is not recommended to use a large amount of brush, and the loan may be cancelled. Although the probability is not great, it is not recommended.
No problem at all. Mortgage is a personal mortgage housing loan, which is different from personal business mortgage. Your large credit card can be swiped. It is recommended not to exceed 80% of the total amount, so if you need to apply for decoration loans, personal consumption loans will have an impact later!
After the borrower has made a mortgage loan, he has used up all the letters, and he can swipe his credit card in large amount for consumption and other purposes as long as he repays on time. However, we must do what we can, protect our credit information within our tolerance, and it will be more convenient to borrow it later!
After the mortgage is released, you need to do what you can according to your own situation! Swiping a large credit card is a double-edged sword. If used well, it can add luster to the cause. If you have no repayment ability, you will hurt yourself and affect your integrity! I hope everyone will carefully brush a large credit card, cherish their credit and enjoy it for life!
You can brush it, stagger the time and brush it several times, and choose the matching consumption scene. It is illogical to brush to KTV and other entertainment places in the morning. At least 20% of the available amount in the card is reserved for turnover, and then Zhihui is used to manage the credit card bill and make a reasonable repayment plan, preferably simulating the real consumption scene under the local line.
The most important thing is to make rational use of the money brushed out. It makes the most sense to turn 80% quota into fixed assets!